1. Requirements and conditions of banks for small and medium-sized enterprise credit loans: (1) The enterprise has been established for more than three years. (2) The invoiced amount in the last six months is not less than 6.5438+0.5 million. (3) Having a fixed business place; In good financial condition. (4) Other relevant conditions required by the bank.
2. According to local policies, different banks have different audit requirements. You can contact your loan bank or loan manager for details.
(3) The enterprise has been established for at least three years; 2) The invoiced amount in the last six months is not less than 6.5438+0.5 million; (3) Having a fixed business place; In good financial condition; (4) Other relevant conditions required by the bank. The loan term and amount of small and medium-sized enterprise credit loans are generally10-100000 yuan; The loan term is generally 1-3 years.
What are the steps of quick loan application process under the pledge of small and medium-sized enterprises of BOC Ningbo Quick Easy Loan? ...
1. Advantages of quick loan products under the pledge of Ningbo Quick Easy Loan SMEs: Fast approval: this business has set up a special green approval channel with high approval efficiency. Simple procedures: enterprises can apply for loans as long as they have sufficient and effective collateral.
2. The credit status is good, and there is no bad credit record in BOC and its peers; To apply for personal mortgage consumer loans, you also need to provide collateral recognized by the bank as a loan guarantee; You need to open a deposit account with BOC before handling personal consumption loans; Other conditions stipulated by laws, regulations, regulatory agencies and Bank of China.
3. Bank of China loan guarantee method: credit loan, without mortgage guarantee. According to the needs of units and employees, flexible and simple guarantee methods such as unit guarantee and employee mutual insurance can be adopted to maximize the loan amount.
4. China Bank's personal business loan application process: The account manager of China Bank branch accepts the customer's application, implements the loan interview system, determines the customer's real identity and collects customer information. The above contents are for your reference. Please refer to the actual business regulations.
How to do corporate loans?
Choose lending institutions: enterprises can choose commercial banks, guarantee companies and other lending institutions to apply for loans. You can consult a number of institutions and choose the most suitable lending institution. Submit a loan application: the enterprise submits relevant materials to apply for a loan according to the requirements of the lending institution.
Loan enterprises sign loan contracts with lending institutions. It takes a long time for small and micro enterprises to obtain loans from banks. For some small and micro enterprises that are in urgent need of money, too long loan time will delay things. It is suggested that you can consider applying for a loan from a local formal loan company.
The bank transfers the enterprise loan into the account opened by the enterprise. After the enterprise gets the enterprise loan, it needs to allocate the enterprise loan according to the contract funds, and at the same time, it needs to repay the loan principal and interest on time. Fast track of loan: If you need a loan, please click the fast track of online loan to apply for a loan.
Hello! The loan process for small and micro enterprises is as follows: enterprises apply for working capital loans from banks and provide relevant materials of enterprises and guarantors (if necessary). Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.
Step 2: Enterprise certification. After logging in, according to the requirements of the platform, upload business license photos, corporate ID cards and other materials, and then select loan products after authentication. Step 3: Select loan products.
Small business companies have a high credit line, such as the highest amount of 20 million yuan stipulated by the Postal Savings Bank; The loan term shall not exceed five years at the longest; The loan interest rate shall fluctuate appropriately on the basis of the benchmark interest rate of commercial loans of the People's Bank of China.
The above is the introduction of bank loan process for SMEs.